Learning Kids Academy had already been approved for SBA financing — the right kind of funding, but SBA timelines don’t always match a business’s actual cash-flow calendar.
While that approval worked through the pipeline, the school needed working capital now: payroll, materials, day-to-day costs that don’t pause for an SBA closing date.
We structured a $400K Flex Line to bridge that gap — capital that gave them room to operate without pulling from savings or waiting on the SBA process to finish, and without the restrictions that usually come with a line like that.
The SBA funding was still the right long-term fit. It just wasn’t fast enough to solve what was actually happening that month. Bridge capital and long-term capital aren’t competitors — sometimes a business needs both, timed right.
If you’re waiting on financing that’s the right structure but the wrong timeline, that’s a very solvable problem. Happy to talk through what a bridge could look like for your business.